Are the detailed rules for the actual privacy of Internet finance, and the detailed rules for the su

Now it is becoming more and more strict, the state is paying more and more attention, I believe that there are still prospects for the future, first screen out those who do not meet the full qualifications, and leave a good platform, which can better protect the income of investors. It's still useful.

1. Guiding Opinions on Promoting the Healthy Development of Internet Finance

It means that the Internet finance industry will bid farewell to the era of "barbaric growth" of "lack of thresholds, rules, and supervision", and will be included in the track of legal and standardized development. The promulgation of the "Opinions" also marks that the Internet finance industry is about to usher in a major reshuffle, and Internet financial enterprises with non-standard operation and management will find it difficult to survive, while formal enterprises will usher in a good opportunity for development.

2. Interim Measures for the Supervision of Internet Insurance Business

Define the business qualifications and industry development of Internet insurance. This is the first detailed rules for the classification of Internet finance after the central bank, the China Securities Regulatory Commission, the China Banking Regulatory Commission, the China Insurance Regulatory Commission and other ten departments issued the "Guiding Opinions on Promoting the Healthy Development of Internet Finance".

3. Measures for the Administration of Online Payment Business of Non-bank Payment Institutions

In order for Internet payment institutions to finally return to the true nature of "payment business", they cannot have a capital pool or have banking functions, such as clearing business, and do capital channels in accordance with the rules. In this case, many third-party payment institutions have said that the custody business is snatched away by banks, which will greatly disrupt the strategic layout of third-party payment institutions.

4. Regulations on Non-Depository Lending Organizations (Draft for Comments).

It is conducive to improving the multi-level credit market, providing an institutional foundation for the development of inclusive finance, regulating private financing, cracking down on illegal fundraising, and strengthening the protection of the rights and interests of financial consumers.

5. Provisions on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases

Ten types of conduct that may fall under false private lending litigation are listed. It is provided that where it is found to be a false lawsuit after trial, the people's court, in addition to making a judgment rejecting the plaintiff's request, shall strictly follow the content of these "Provisions" to fine or detain the litigation participants who maliciously created or participated in the false litigation in accordance with law; If a crime is constituted, it must be transferred to a judicial organ with jurisdiction to investigate criminal responsibility.

The main track of the development model should be:

1. Crowd search and answer.

2. P2P online lending (In mid-November 2020, the actual operation of P2P online lending institutions across the country was completely zeroed. ）

3. Third-party payment.

4. Digital currency.

5. Big data finance.

6. Information-based financial institutions.

7. Financial portals.

Tencent Lizhen Air Caitong is a cash cash and financial mutual bureau travel call network financial product launched by Tencent, which is a kind of currency investment and is operated by Huaxia. The operation of the currency **, the daily yield is not the same, and the current income is relatively stable. It's almost risk-free.

A few days ago, Yao Yudong, director of the Institute of Financial Research of the Central Bank, said at a forum hosted by the Institute of Finance of the Chinese Academy of Social Sciences: "The P2P online loan industry is likely to be classified as financial in the future. There are also experts in the industry who pointed out

In the current situation in China, P2P cannot really become an information intermediary, and it has to assume many functions similar to credit intermediaries, such as credit integration in the early stage, loan management, etc. To some extent, it plays the role of a lender, and it is more appropriate to classify it as financial. Categorizing it as a financial category is conducive to promoting the healthy development of the P2P industry.

After it is classified into the financial industry, on the one hand, the supervision will be more stringent, and on the other hand, some emergency mechanisms and bankruptcy protection mechanisms may also be established, which will also be conducive to the development of the platform.

In order to have a healthy development environment for the P2P online lending industry, many people have proposed that the P2P online lending industry should implement license management. For this reason, some experts pointed out:

The debate over P2P management has always existed, and for the time being, license management is unrealistic. The business done by P2P is essentially a financial business, but I think it will take a long time to observe whether it needs license management. At present, P2P license management is not mature, which will also have a negative impact on Internet financial innovation.

P2P has established a basic regulatory framework, which is not necessarily related to the Regulations, which are aimed at private lending, and will have an impact on P2P, but the impact is limited. Of course, there will be some consideration and coordination between the schemes. The regulatory framework will set a certain threshold for P2P, and it will be possible to incorporate it into the Regulations after a certain stage.

Now that the industry is constantly changing, and supervision is also innovating, from the perspective of development trends, it should be that the less license management, the better, and the future financial supervision should be more in the direction of license management.

At present, there is still controversy about how to manage the P2P online lending platform, but it is certain that the purpose of any management is to encourage innovation in the Internet industry and promote the healthy development of the entire industry.

Under the Internet finance model, the supply and demand of funds can be leveled through the network.

Taiwan completes information screening, matching, internal pricing and delivery by itself.